Major Rating Factors:
Good liquidity (6.3 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (7.5) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2024. Ample reserve history (9.5) that helps to protect the company against sharp claims increases.
Other Rating Factors:
Excellent profitability index (8.8). Excellent overall results on stability tests (7.0). Stability strengths include good operational trends, good risk adjusted capital for prior years and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Personal/comm auto (99.8%), other (0.2%)
Licensed in:
DE, MD, NC, PA, TN, VA
Principal Investments:
Investment grade bonds (94.9%), cash (3.7%), other (1.4%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
7450 Coca Cola Drive
Hanover, MD 21076
Hanover, MD 21076
Phone Number
(410) 684-3399
NAIC Number
35173
Largest Affiliates
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